An Intelligent AI-Powered
Portfolio Whisperer

Clarzo.ai summarizes, simplifies, and strategizes your entire investment journey. It educates you on risk vs. return dynamically — and tells you exactly what to do next.

Portfolio Connect
AI Insights
ClarzoGPT
Goal Mapping
Expert Access
Foundation

Portfolio Connect — All Accounts in One Place

Your money is scattered across Zerodha, Groww, CAMS, bank accounts, PPF, EPF, and even your parents' portfolios. Clarzo.ai pulls it all together using AI to parse and unify your complete financial footprint.

  • Parse data from emails/SMS — CDSL, CAMS, Zerodha, Groww, Paytm, Scripbox
  • Accept CSVs or screenshots of demat holdings
  • Input real estate, FDs, gold manually or via lookup
  • Supports 10+ asset classes across platforms
Connected Instruments
📈 Stocks
📊 Mutual Funds
🥇 Gold & Silver
🏦 Fixed Deposits
Crypto
🏠 Real Estate
🏛️ PPF / NPS / EPF
💳 Bank Accounts
✓ All accounts synced — total net worth: ₹24,87,350
Intelligence

Your Portfolio's Story — In Plain English

No financial jargon. Clarzo tells you exactly how your money is performing — last month, last year, and compared to the market. Clear, honest, actionable. Categorized by asset class, risk level, sector exposure, goal alignment, and time horizon.

  • "Your equity portfolio grew 12% YoY, but was highly volatile in the last 3 months."
  • "Your mutual fund SIPs have returned 8.3% CAGR since start."
  • Compare your returns against Nifty, Sensex, and similar investors
  • Proactive nudges: "3 SIPs expire next month" "Overlapping funds detected"
₹24.8L
+12.4% vs Nifty's +8.2%
1Y Return
Equity Performance+18.3%
Debt Returns+7.1%
Gold Returns+14.8%
Crypto-4.2%
💡 Your portfolio outperformed 78% of similar investors this year.
AI Engine

ClarzoGPT — Talk to Your Portfolio

Ask any question about your portfolio — in plain language. "What's my best performing asset?" "Am I too exposed to small caps?" "How much did I invest in tech sector last year?" Get instant, personalized answers powered by an LLM with custom-trained financial ontology.

  • Natural language answers about holdings, allocation, and performance
  • Understands Hindi + English — "Kya yeh mutual fund sahi hai?"
  • Answers based on your real data, not generic advice
  • Ask about affordability: "Can I afford a ₹15L car?"
What's my best performing asset?
ClarzoGPT
Your gold holdings are up 14.8% this year — the best in your portfolio. Equity MFs follow at +12.4%. Want a breakdown by individual fund?
Am I too exposed to small caps?
ClarzoGPT
Yes — 38% of your equity is in small caps. For your risk profile, cap at 20%. Consider shifting ₹1.5L into flexi-cap funds for a safer balance.
Agar main ₹2000 har mahine invest karu, kya milega?
ClarzoGPT
At 12% annual return, ₹2,000/month SIP would grow to ~₹5.9L in 10 years and ~₹20L in 20 years. Want me to suggest funds that match?
Strategy

Smart Rebalancing — Stay Balanced, Stay Confident

Clarzo detects when your portfolio drifts from your ideal allocation and guides you back — for risk control and consistent growth. Based on your age, goals, and volatility preference.

  • "Shift 10% from equity to short-duration debt to reduce drawdown risk."
  • "Real estate is over 40% of your portfolio — consider liquidity tradeoffs."
  • Drift alerts when allocation deviates from your target
  • Educational tone — never prescriptive, always your decision
Current Allocation
Target Allocation
Equity 52% → 45%
Debt 22% → 30%
Gold 18% → 15%
FDs 8% → 10%
⚡ Suggestion: Move ₹1.2L from equity to debt funds for optimal balance
Money Flow

Spending Behavior — Know Where Your Money Goes

Connect your bank accounts and see the full picture — not just what you invest, but what you spend. Category-wise analysis, net credit/debit flow, month-wise and week-wise breakdowns.

  • The sectors where you're spending and investing
  • Net credit/debit flow with month and week-wise analysis
  • Identify auto-payments and subscriptions draining money
  • Savings rate tracking vs your target
Monthly Breakdown — Mar 2026
Food & Dining₹12,400
Shopping₹8,900
Subscriptions₹4,200
Transport₹3,800
Net Flow +₹34,200 saved
Life Goals

Goal Mapping — Every Rupee With a Mission

Align your investments with life goals — retirement, home purchase, kids' education, vehicle. Track progress and stay on course. Clarzo maps your existing investments to your future plans.

  • "Your ₹4L in debt fund aligns with your home down payment in 2026."
  • "Consider term insurance — your dependents exceed current coverage."
  • Visual progress tracking for each goal
  • Retirement, vehicle, house purchase, kids education & more
Your Goals
🏠
Home Down Payment — 2027
62%
🚗
New Car — 2026
84%
🎓
Kids Education — 2034
28%
🏖️
Retirement Corpus — 2048
15%
Household

Family Investment Tracking

In India, money decisions are never just yours. Combine household investments — yours, your spouse's, your parents' — for a complete family net worth picture. Joint financial planning, the way it should be.

  • Add family members and their portfolios
  • Combined household net worth dashboard
  • Individual vs family allocation views
  • Track parents' investments alongside yours
Family Net Worth — ₹78.4L
A
Arjun (You)
Primary
₹24.8L
S
Sneha
Spouse
₹18.2L
D
Dad
Parent
₹22.1L
M
Mom
Parent
₹13.3L
Human + AI

Connect to an Expert

Sometimes you need more than AI. Clarzo connects you with certified financial planners for personalized strategies you can truly rely on. One-on-one video consultations for the decisions that matter most.

  • SEBI-registered investment advisors
  • One-on-one video consultations
  • Goal-specific financial planning
  • Tax optimization strategies
Available Experts
RS
Rahul Sharma, CFP
Retirement & Tax Planning
★★★★★ 4.9
PM
Priya Mehta, CFA
Equity & Mutual Funds
★★★★★ 4.8
AK
Arjun Kapoor, CFP
Wealth & Estate Planning
★★★★★ 4.9

Every Feature at a Glance

From portfolio tracking to tax planning — here's everything Clarzo.ai offers.

🔗
Portfolio Connect
All accounts, one place
💡
Smart Insights
Performance vs market
🤖
ClarzoGPT
Ask anything, get answers
⚖️
Rebalancing
Drift alerts & nudges
💳
Spending Tracker
Where your money goes
🎯
Goal Mapping
Invest with purpose
👨‍👩‍👧‍👦
Family View
Household net worth
👨‍💼
Expert Connect
SEBI-registered advisors
🔔
Proactive Nudges
SIP expiry, overlap alerts
📊
Loan EMI Calculator
Plan before you borrow
🛡️
Insurance Insights
Coverage gap analysis
📋
Tax Filing
Tax-saving integrations

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